When “Free” Advice Costs You $1.5 Million in Healthcare Spend
Kirk Conole • April 24, 2026
For many businesses, healthcare is one of the largest and fastest-growing expenses on the balance sheet. Yet the way most companies manage it hasn’t changed in decades.
A recent case we worked on highlights just how costly that can be.
The Situation
A company with 290 employees
received their renewal from Blue Cross Blue Shield.
The projected increase: 16.99%
That pushed their expected annual healthcare spend to approximately:
👉 $5.5 million
For a group of this size, that number should raise eyebrows.
But unfortunately, it’s becoming more common, not less.

Why This Keeps Happening
Most employers rely on their broker to:
- Shop the market
- Negotiate rates
- Present plan options
And to be fair, most brokers are
doing those things.
The issue is how
they’re doing them.
In a traditional fully insured model, “shopping” typically means moving between the same handful of carriers:
- Blue Cross Blue Shield
- UnitedHealthcare
- Aetna
- Cigna
Each year becomes a cycle:
- Receive a large increase
- Shop the market
- Shift carriers or adjust plans
- Repeat next year
This approach may create the appearance
of cost control, but it rarely produces meaningful, long-term savings.
The Real Problem: A Reactive Strategy
The traditional model is reactive by design.
Employers are:
- Responding to renewals instead of controlling them
- Accepting trend increases as unavoidable
- Operating with limited visibility into what’s driving costs
Without transparency and a proactive strategy, costs will continue to rise, regardless of how often the plan is “shopped.”
A Different Approach
Instead of simply remarketing the plan, we helped this client rethink their healthcare strategy entirely.
By implementing a more strategic and data-driven approach, we were able to:
👉 Reduce total annual healthcare spend from $5.5 million to $4 million
That’s a $1.5 million reduction, achieved without cutting benefits or shifting additional burden to employees.
So… Is Your Broker Really “Free”?
Many employers believe their broker services come at no cost.
Technically, that’s true; there’s no direct invoice.
But broker compensation is typically built into your premiums.
Which means:
If your current approach results in millions of dollars in unnecessary spend…
you’re still paying for it, just indirectly.
The Cost of Staying the Same
If your organization is:
- Experiencing annual increases of 10% or more
- Remaining fully insured without exploring alternatives
- Relying solely on market “shopping”
There’s a strong chance you’re overpaying for healthcare.
And over time, those incremental increases compound into millions.
A Better Question to Ask
Instead of asking:
“Did we shop the market this year?”
Consider asking:
“Do we have a strategy to control our healthcare costs long-term?”
That shift in thinking is where real savings begin.
A Final Thought
Healthcare costs don’t rise because employers aren’t trying hard enough.
They rise because most are operating within a system that wasn’t designed to control them.
If your projected spend is approaching $5M+ for a 300-employee group, it may be time to rethink the strategy, not just the carrier.
Let's Talk
At DCI Solutions, we help companies take a more strategic approach to healthcare — one that prioritizes transparency, control, and measurable savings.
If you’re questioning your current trajectory, we’re happy to have a conversation.

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